On one statement, the same day Mariana’s pharmacy purchase had been declined, more than eight hundred dollars had been charged for a boutique shopping trip.

I called the bank’s fraud department and asked what access controls existed, who had authority on the relevant accounts, and how to dispute transactions.

They would not discuss all details over the phone.

I understood why.

I scheduled an appointment with a specialist and arranged to bring original records and identification.

There was no dramatic button I could push to reverse five months.

Account ownership mattered.